Want to maintain continuous auto insurance coverage. Want to maintain continuous auto insurance coverage: This can help save money on car insurance later. Going without coverage — even when between cars — can make you look risky in the eyes of insurers, which can lead to higher rates when you buy a vehicle. Non-owner car insurance isn’t the right choice if you live with people — say your parents — and drive their cars. Instead, you should be listed as a driver on their policies because you have regular access to their vehicles.
 |
| Want to maintain continuous auto insurance coverage |
How to buy non-owner car insurance
Many of the largest insurers offer the non-owner coverage for personal vehicles, at least in some states, but Allstate and Progressive do not. Generally, price quotes aren’t available online.
What non-owner car insurance covers
In addition to liability insurance, a non-owner policy can include medical coverage for yourself and uninsured/underinsured motorist coverage, in some states, depending on the insurer. Uninsured/underinsured motorist insurance covers medical bills if you’re injured in an accident caused by a driver without any or enough liability insurance. Non-owner insurance generally doesn’t include collision or comprehensive insurance. In a standard auto policy, that coverage pays for repairs or replacement of the vehicle you own.
Cost of a non-owner policy
Typically, a non-owner car insurance policy costs less than what you would pay for the same level of liability coverage for a car you own. The price depends on your age, driving record and how often you plan to drive..